Choosing the Best Life Insurance Option for You

There are more than 7 billion people on the planet, and no two people are exactly alike. Each person has their own ideas, ideals and identity – and that is why you need your own unique life insurance plan. When it comes to choosing the best life insurance option, you can’t be expected to fit into a mold. You should expect your insurance to conform to your needs.

The Best Life Insurance Provides Non Traditional Policies for Non Traditional Needs

In the past, life insurance was pretty standard. You needed to be young, in a stable career and in good health to be approved. Times have changed! Just as our population is more diverse, so are your options. Now, to meet the needs of as many Canadians as possible, products exist for those that: are applying for a policy in their senior years, have a past medical condition, are extensive travellers, have an existing or even severe medical condition, have a family history of disease, occasionally smoke marijuana and more.

The Best Life Insurance Provides Reassurance

In the past, those without access to life insurance felt like they were living under that proverbial Sword of Damocles. Do you know that feeling? Things are great, but a giant disaster is looming overhead that is held back only by a thread – and it’s just a matter of time until the thread breaks!

It’s not a comfortable feeling, and it’s not a feeling anyone should have to live with. The life insurance industry realized this a few years ago and a radical shift in the landscape has been happening ever since. You may have already seen some of the commercials for new products such as no medical life insurance, where you can get insurance without having a medical exam, but there are other products too, such as guaranteed issue (very useful if you have a life threatening illness) and child protection riders that assigns the policy to the child when he or she reaches the age of majority (at which point the child can purchase more insurance without evidence of insurability. Great for those with a history of family illness).

How do you Choose the Best Life Insurance Option for You?

One small drawback to having so many options is, how do you learn about them all and make the best choice? That’s where I come in. I’m a life insurance broker, not an agent. That’s another thing that is great about this new insurance landscape. Brokers are freelancers. We don’t sell the products of just one agency, like Sun Life or Manulife. We can sell their products right alongside any other insurance product in Canada. I use a simple needs assessment tool to identify your greatest insurable risks, and then I do the research for you. You are presented with your best options in an easy-to-understand format. If you decide from there to purchase a policy, I help you with the application and submit it to the carrier on your behalf.

It’s really just that easy to get the best life insurance option for you. The bottom line is, you have so many options. Take advantage of that and get the insurance you need today. Call me to get started.

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